For a sensible grown up answer: pay a large chunk into the mortgage, clear any outstanding debts, leave £5k as "emergency" money in savings

For a wild-have fun-blowout answer: book three weeks off work, go somewhere obscure you'll never really get the chance to go back to, (live in tiger sanctuary in Malay jungle, or inca trail in Peru) have a trip of a lifetime; splurge on sumptuous furniture for the house and all matching billion thread count linens; new kitten . Oh and a terry chocolate orange.

Today I would put my heating up full blast I am bloody frozen!! Tomorrow I would go and buy myself some clothes that don't make me look 4 stone heavier than I am then I would be a bit more practical and do driving lessons and test and get a little car and if I had any left I would save it

But choceyes I am never out of my car. I drive every day, a lot of the journey down bad bumpy roads. It is much more cost effective for me to have a fuel efficient car that I'm not always having to bring for repairs.

I have to tell you about my lovely friend who has a husband who insisted on keeping their finances separate. He wouldn't even disclose how much he earned, and when she went on maternity leave and couldn't return to work as her sweet little girl has some special needs, he refused to give her any money and insisted on a whack of the child benefit to 'cover her share of the bills' the complete shit

Anyhow, she inherited £20,000 last year from a grandparent and suddenly her not-so-Dear H thinks it would be wonderful to have a joint account and wouldn't it be just marvellous if they pooled their resources...

She won't let him near it, has bought herself new clothes, treats and trips out, and is keeping the rest just for herself and the children. I love a bit poetic justice.

For me, a holiday somewhere interesting with a lot of scenery would be great. Even better if I could persuade my adult children to come with us as we don't all get together very often and I miss them.

Put in Central heating so we don't have to choose between frigid and tropical any more with the BLOODY panel heaters (5k), new kitchen and bathroom (10k), sort my lovely 1993 bmw (needs either 2k of work or scrapping but I luffs her - this would be my frivolity) and stick the rest in savings as unexpected extra cost always pops up.

Ooh, just thought of something already - we could really do with new carpets in our and Wriggler's bedrooms. Poooof, 20k up the whotsit just on stuff we already know we HAVE to scrape together to do at some point.

Pay off debt. Bank the rest to pay for dc education at uni if they want to go, driving lessons for them, money towards a car, rainy day fund, and also help save towards interesting breaks like Rome for a long weekend.

I would buy something nice to remember the giver by as well. Maybe a rose to put in the garden?